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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,622 | $109,620-71.2% | $148,496-78.7% | $94,015-66.4% |
| Participation rate | 58.3% | 71.3%-12.9pp | 76.0%-17.7pp | 70.8%-12.5pp |
| Annual return | 11.94% | 17.54%-5.6pp | 12.33%-0.4pp | 17.84%-5.9pp |
| Employer contribution / active EE | $785 | $2,618-70.0% | $3,497-77.6% | $2,790-71.9% |
| Participant deferral / active EE | $2,420 | $3,831-36.8% | $4,808-49.7% | $4,249-43.1% |
| Admin fee / account holder | $5,648 | $10,050-43.8% | $19,547-71.1% | $8,951-36.9% |